Reduce your burn and extend runway
Rho helps you avoid platform, overdraft, and transaction fees so more of your operating capital goes toward building, not banking.
Business banking that runs your whole company’s finances
Checking accounts backed by real support that helps you move fast and stay focused.
Manage your operating cash without the friction
Backed by real infrastructure
Your checking account is held by Webster Bank, N.A., Member FDIC — $85.5B in assets (FDIC call report, 3/31/2026) — built to support startups as they grow.
Support built for founders
You get a real specialist from the start, not a ticket queue, so founders get fast answers and accounts of all sizes get the attention they deserve.
Banking runs in the background. You run the business
Every payment sent, settled, and synced without the fees
Pay zero subscription fees, no matter how many users you add or how fast your team scales
Send ACH, wire, and check payments without fees, so moving money doesn't add to your burn
Protect up to $75M in savings deposits with FDIC insurance through a 400+ bank sweep network
Open your account in minutes — no minimums, no monthly fees, no waiting
Move money instantly between Checking, Savings, and Treasury
Sync every transaction to your GL automatically — no manual entry
What changes when banking gets out of the way
The before is a fee for everything. The after is just... banking.
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With Rho
Zero subscription fees. Fee-free ACH, wire, and check payments. Up to $75M in FDIC coverage on savings. A real specialist on day one. Every transaction synced to your GL automatically.
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Without Rho
Monthly subscription fees that scale with your team. A ticket queue for support. A ceiling at $250K of FDIC coverage. ACH and wire fees that quietly add to your burn every month. Manual reconciliation at month-end.
Rho business banking at a glance
- Monthly, per-user, and minimum-balance fees
- $0
- Same-day ACH / domestic wires
- $0 / $0 (only standard payment fee: 1% on foreign-currency transfers)
- Deposit insurance
- Savings: up to $75 million FDIC per entity via a sweep network of 400+ banks. Checking: $250,000 FDIC at Webster Bank, N.A. (Rho Treasury is securities — SIPC-protected, not FDIC)
- Partner bank
- Webster Bank, N.A., Member FDIC — $85.5 billion in assets (FDIC call report 3/31/2026), founded 1935
- Treasury yield
- Up to 4.55% net (as of 08/02/2026; variable)
- Corporate card cashback
- Up to 2% with Rho Platinum on the Rho Card with Daily Terms (up to $1M in Cashback per year); 1.5% standard. Monthly Terms: 1.75% (Platinum) / 1.25% (standard). Terms apply.
- Personal guarantee on cards
- Not required; no personal credit pull
- Support
- 24/7 real human by phone, in-app chat, or SMS — every account, every tier, $0Facts verified as of 2026-08-02.
It's hard to beat us
Our platform is free to use, and it’s staying that way.
| Rho | ||||
Zero monthly subscription fees¹ | $350/Pro Plan | $15 | $10 | |
Fee-free Same Day ACH and wires¹ | ||||
Native accounting software integrations | NetSuite requires Mercury Pro | |||
Built-in AP automation and expense management | Some invoice features restricted to Mercury Plus | |||
Minimum deposit requirement | n/a | n/a | $2k | $10K |
FDIC Deposit Insurance | Up to $75M with Business Savings Account1 | Up to $5M | $250k | $250k |
| Rho | |
Zero monthly subscription fees¹ | |
$350/Pro Plan | |
Fee-free Same Day ACH and wires¹ | |
Native accounting software integrations | |
NetSuite requires Mercury Pro | |
Built-in AP automation and expense management | |
Some invoice features restricted to Mercury Plus | |
Minimum deposit requirement | |
n/a | n/a |
FDIC Deposit Insurance | |
Up to $75M with Business Savings Account1 | Up to $5M |
We’re ready
when you are.
